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State Licenses NexTag does not make loans or credit decisions, nor does NexTag undertake loan
commitments or lock-in agreements. NexTag provides a matching service only and
is not acting as a representative, agent or correspondent for any of our Service
Providers. NexTag does not endorse any particular Service Provider or loan
product. Since everyone's financial circumstances are different you should rely
on your own judgment in deciding which Service Provider you wish to work with,
if any, and which available loan product is most appropriately suited to your
particular circumstances. You are under no obligation to use NexTag's service to
initiate contact, or apply for credit with any of our Service Providers. NexTag
does not guarantee that completing an interest profile form will result in your
being matched with a Service Provider, being offered a loan product with
satisfactory rates or terms, or receiving a loan from a Service Provider. Since
the interest profile you submit is not an application for credit or a request
for a loan pre-qualification, you may be asked to complete an application and/or
provide other documentation to a Service Provider in connection with an
application for credit. There is no charge to you for using NexTag's service.
NexTag receives a modest fee from our Service Providers for the services we
actually provide in operating our website and the matching engine.
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| Arizona | Arizona Mortgage Broker, License No. MB-0905845 Nextag, Inc. |
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| Arkansas | MORTGAGE LOAN COMPANY AND LOAN BROKER, LICENSE # MLCB-11992 | ||||||||||||
| California |
LICENSED REAL ESTATE BROKER, CA DEPT. OF REAL ESTATE, LICENSE # 01383161 California Holden Act - Fair Lending Notice
THE HOUSING FINANCIAL DISCRIMINATION (HOLDEN) ACT OF 1977 -- FAIR LENDING NOTICE IT IS ILLEGAL TO DISCRIMINATE IN THE PROVISION OF OR IN THE AVAILABILITY OF FINANCIAL ASSISTANCE BECAUSE OF THE CONSIDERATION OF: 1. TRENDS, CHARACTERISTICS OR CONDITIONS IN THE NEIGHBORHOOD OF GEOGRAPHIC AREA SURROUNDING A HOUSING ACCOMODATION, UNLESS THE FINANCIAL INSTITUTION CAN DEMONSTRATE IN THE PARTICULAR CASE THAT SUCH CONSIDERATION IS REQUIRED TO AVOID AN UNSAFE AND UNSOUND BUSINESS; OR 2. RACE, COLOR, RELIGION, SEX, MARITAL STATUS, NATIONAL ORIGIN OR ANCESTRY. IT IS ILLEGAL TO CONSIDER THE RACIAL, ETHNIC, RELIGIOUS OR NATIONAL ORIGIN COMPOSITION OF A NEIGHBORHOOD OR GEOGRAPHICAL AREA SURROUNDING A HOUSING ACCOMODATION OR WHETHER OR NOT SUCH COMPOSITION IS UNDERGOING CHANGE, OR IS EXPECTED TO UNDERGO CHANGE, IN APPRIASING A HOUSING ACCOMODATION OR IN DETERMINING WHETHER OR NOT, OR UNDER WHAT TERMS AND CONDITIONS, TO PROVIDE FINANCIAL ASSISTANCE. THESE PROVISIONS GOVERN FINANCIAL ASSISTANCE FOR THE PURPOSE OF THE PURCHASE, CONSTRUCTION, REHABILITATION OR REFINANCING OF ONE-TO-FOUR UNIT FAMILY RESIDENCES OCCUPIED BY THE OWNER AND FOR THE PURPOSE OF THE HOME IMPROVEMENT OF ANY ONE-TO-FOUR UNIT FAMILY RESIDENCE. IF YOU HAVE QUESTIONS ABOUT YOUR RIGHTS, OR IF YOU WISH TO FILE A COMPLAINT, CONTACT THE MANAGEMENT OF THIS FINANCIAL INSTITUTION OR: Department of Real Estate 2201 Broadway P.O. Box 187000 Sacramento, CA 95808-7000 |
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| California |
Finance Lenders Broker License No. 605-3198 Licensed by the Department of Corporations under the California Residential Mortgage Lending Act |
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| Connecticut |
Connecticut Home Mortgage Disclosure Act prohibits discrimination against
home purchase loan, home improvement loan or other mortgage loan applicants
solely on the basis of the location of the property to be used as security.
The agency which enforces compliance with this law is the:
Department of Banking |
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| District of Columbia | DC Mortgage Broker License No. 4922 Financing Agreement |
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| Florida |
FLORIDA MORTGAGE LENDER AUDIT# ML0300758 AND REG. LICENSE ID# LI00000433280 NEXTAG, INC. DOES NOT ORIGINATE OR ACCEPT LOAN APPLICATIONS OR FEES FROM CONSUMERS NOR DOES IT GUARANTEE ACCEPTANCE TO ANY LOAN PROGRAM OR TERMS. NEXTAG, INC. DOES NOT MAKE MORTGAGES OR ISSUE COMMITMENTS. INFORMATION PROVIDED BY YOU WILL BE FORWARDED TO APPLICABLE LENDERS. QUESTIONS OR COMMENTS MAY BE DIRECTED TO CUSTOMER SERVICE, C/O NEXTAG, INC., 1300 EL CAMINO REAL, STE 600, SAN MATEO, CA 94402. TEL.: 1-800-565-0511. |
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| Georgia |
Our participating Lenders are responsible for providing you loan products and detailed
information about their loan products, including loan fees, refundability conditions,
commitment fees and conditions that may result in foreclosure. Our participating Lenders
are responsible for complying with Georgia and federal law. Georgia Mortgage Broker License No. 18917 |
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| Idaho |
Idaho Mortgage Broker/Lender License No. MBL-4905 |
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| Illinois |
If you decide to work with Lender(s) with whom you are matched, such
Lender(s) may provide you a Borrower Information Document pursuant to the
Residential Mortgage License Act of 1987 and Rules promulgated thereunder
(38 Ill. Adm. Code 1050). The purpose of this document is to set forth
those exhibits and materials you should receive or be receiving from
matching Lenders. You may also receive from Lenders you are matched with a
list of documents and materials required to complete your loan application
with the Lender.
Loan Brokerage Agreement and Broker Disclosure
Statement
NexTag, Inc., a corporation, is a mortgage broker, not a lender. We cannot
guarantee acceptance into any particular loan program or promise you any
specific loan terms or conditions. Lenders you match with and discuss
origination of a loan with will provide the funds for your loan, and are
responsible for the availability of those funds.
We are not charging you a
fee to arrange a mortgage loan from the mortgage Lender. We receive a fee
from Lenders that we match you with that is approximately $50. Our
services consist of collecting information from you and (with your
authorization) forwarding this information to Lenders in our network that
have indicated their interest in contacting you to offering you their services.
If NexTag makes false
or misleading statements, you may, upon written notice, void this agreement,
recover any monies paid to NexTag for which no services have been performed,
and recover actual costs, including attorney's fees, for enforcing your
rights under this agreement.
ILLINOIS RESIDENTIAL MORTGAGE LICENSE #MB6759160
Commissioner of Banks and Real Estate310 So. Michigan Ave Ste. 2130 Chicago, IL 60609 (312) 793-0291 Nextag, Inc. 1300 South El Camino Real, Suite 600 San Mateo, CA 94402 1-800-565-0511 |
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| Indiana | INDIANA LOAN BROKER REGISTRATION NO. 03-0291 LB | ||||||||||||
| Iowa | IOWA MORTGAGE BROKER LICENSE NO. MBR-2005-0152. In Iowa, we are licensed as Nextag, Inc. dba Calibex. | ||||||||||||
| Kansas |
NEXTAG IS A MORTGAGE BUSINESS REGISTERED WITH THE KANSAS OFFICE OF THE STATE BANK COMMISSIONER IN ACCORDANCE WITH THE LAWS OF THE STATE OF KANSAS. THIS REGISTRATION DOES NOT REPRESENT AN ENDORSEMENT OR RECOMMENDATION OF THE REGISTRANT’S PRODUCTS OR SERVICES BY THE OFFICE OF THE STATE BANK COMMISSIONER. AS A CONSUMER, YOU MAY SUBMIT A COMPLAINT OR INQUIRY ABOUT THIS MORTGAGE BUSINESS BY DELIVERING A WRITTEN STATEMENT TO THE OFFICE OF THE STATE BANK COMMISSIONER, 700 JACKSON, SUITE 300, TOPEKA, KS 66603. Kansas Mortgage Business Registration No. 2003-4593 |
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| Kentucky | KENTUCKY MORTGAGE LOAN COMPANY LICENSE NO. MC15061 | ||||||||||||
| Maine | MAINE CREDIT SERVICES ORGANIZATION NO. CSO8065 Maine law (Me. Rev. Stat. Ann. Tit. 9-A § § 10-101 et seq.) requires that the disclosures below be provided to consumers before any contract is signed with, and before any money is paid to, a credit service organization or to third parties. NOTICE TO CONSUMER: DO NOT SIGN THIS DOCUMENT OR TAKE ANY ACTION BEFORE YOU READ IT. A printed version of this Agreement and of any notice given in electronic form shall be admissible in judicial or administrative proceedings to the same extent and subject to the same conditions as other business documents and records originally generated and maintained in printed form. PLEASE PRINT AND RETAIN A COPY OF THIS DOCUMENT FOR YOUR RECORDS. NexTag is not a lender and does not make loans or credit decisions in connection with loans. NexTag, Inc. is an online lead generator only. NexTag does not endorse, recommend or favor the products of any participating Lender. NexTag is not an agent of either you, the consumer, or any participation Lender. Our services are consultative only. We pass along your request to our participating Lenders and they may contact you with their loan product offers. You must rely on your own judgment in deciding which available loan product best suits your needs and financial means. You should not rely on NexTag to select a product for you. Additionally, as it is our participating Lenders, not NexTag, that will make loan offers to you, we cannot guarantee you will be offered the lowest price or best terms available in the market. NexTag does not have any involvement in the setting of interest rates and fees on your request. Escrowing of Consumer Funds: NexTag does not charge you a fee to use its services. NexTag receives fees from its participating Lenders for matching your loan request with prospective Lenders. Consumer Protection Board: A consumer protection bond is on file with the State of Maine. If you have a claim against NexTag, Inc. which cannot be resolved through informal means, you may institute an action to recover your loss from that bond by filing a written complaint with the Director, Office of Consumer Credit Regulation, 35 State House Station, Augusta, Maine 04333-0035. You are entitled to a copy of this document. If you would like a counter-signed acknowledgement of this disclosure statement please print and mail to: NexTag, Inc. c/o Legal Department 1300 South El Camino Real, Suite 600 San Mateo, CA 94402 Please include your return address information so that we may send you a signed acknowledgment. |
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| Maryland | MARYLAND MORTGAGE LENDER, LICENSE NO. 10097 | ||||||||||||
| Massachusetts |
In Massachusetts we are licensed as Nextag, Inc. d/b/a Calibex
We arrange but do not make loans in Massachusetts.
If your loan request is forwarded to our participating Lenders, be advised that under Massachusetts
General Law ch. 184, § 17B: (1) the responsibility of the attorney for a Lender is to protect the
Lender's interests, (2) you have the right to engage your own attorney to represent your interest in
the transaction, at your expense (3) the expiration date of the note is not known at this time but will
be disclosed to you when known, and (4) please be aware that as of the expiration date of the Note, the
Lender may demand payment of the Note, may rewrite the Note by agreement at a greater or lesser rate of
interest, or may, by agreement, allow payments to be made on the Note at the same, or a lesser or greater
rate of interest.
The federal Equal Credit Opportunity Act and comparable provisions of Massachusetts law prohibit
creditors from discriminating against credit applicants on the basis of race, color, religion, creed,
national origin, sex, sexual orientation, ancestry, handicap, marital status, age (provided that the
applicant has the capacity to enter into a binding contract), or because all or part of the applicant's
income derives from any public assistance program. The federal Equal Credit Opportunity Act also prohibits
creditors from discriminating against credit applicants because the applicant has in good faith exercised
any right under the Consumer Credit Protection Act. The state agency that administers compliance with the
state law is the:
Massachusetts Commission Against Discrimination
One Ashburton Place Boston, Massachusetts 02108
MASSACHUSETTS MORTGAGE BROKER DISCLOSURES REQUIRED BY THE ATTORNEY GENERAL'S CONSUMER PROTECTION
REGULATIONS
Dated: January 22, 2004
We are a mortgage broker. We do not make mortgage loans. We cannot guarantee acceptance into any particular
loan program or promise you any specific loan terms or conditions.
We are not charging you a fee to arrange
a mortgage loan from the mortgage Lender. We are not charging you any application fee or other fees. We
receive a fee from Lenders that we match you with that ranges from $10 to $50. Our services consist of
collecting information from you and (with your authorization) forwarding this information to Lenders in our
network that have indicated their interest in offering you loan(s).
Based on the information you have given
us, we will forward you information to matching Lenders and such Lenders may be able to offer you loans in
the amount, with an interest rate, at an Annual Percentage Rate, with a monthly payment and number of payments
as you requested.
Massachusetts Mortgage Broker, License No. MB3262 |
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| Michigan | Michigan Mortgage Broker License No. FL 0012821 | ||||||||||||
| Minnesota | Minnesota Residential Mortgage Originator License No. 20529622 NEXTAG, INC. IS NOT ACTING AS YOUR AGENT IN CONNECTION WITH OBTAINING A RESIDENTIAL MORTGAGE LOAN. WHILE WE SEEK TO ASSIST YOU IN MEETING YOUR FINANCIAL NEEDS, WE CANNOT GUARANTEE THE LOWEST OR BEST TERMS AVAILABLE IN THE MARKET. |
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| Mississippi | Mississippi License No. 687/2005 | ||||||||||||
| Montana | Nextag, Inc. does not currently offer its services in this state. | ||||||||||||
| Nebraska | MORTGAGE BANKER UNDER THE MORTGAGE BANKERS REGISTRATION AND LICENSING ACT | ||||||||||||
| New Hampshire | LICENSED BY THE NEW HAMPSHIRE BANKING DEPARTMENT. NEW HAMPSHIRE FIRST MORTGAGE BROKER, LICENSE NO. 9948 MBR; NEW HAMPSHIRE SECONDARY MORTGAGE BROKER, LICENSE NO. 9949 MHB | ||||||||||||
| New Jersey | New Jersey Licensed Lender, No. 9949238 | ||||||||||||
| New Mexico | MORTGAGE LOAN COMPANY AND LOAN BROKER ACT CERTIFICATE #01788 |
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| New York |
New York Mortgage Broker Disclosure
NexTag, Inc., a corporation, is a mortgage broker, not a lender. We cannot
guarantee acceptance into any particular loan program or promise you any
specific loan terms or conditions. Lenders you match with and discuss
origination of a loan with will provide the funds for your loan, and are
responsible for the availability of those funds.
We are not charging you a fee to arrange a mortgage loan from the mortgage
Lender. We receive a fee from each Lender that we match you with that
typically ranges from $10 to $50. Our services consist of collecting
information from you and (with your authorization) forwarding this information
to Lenders in our network that have indicated their interest in offering you
loan(s).
If your loan request is forwarded to our participating Lenders, you may be
required by the Lender you select to pay an application fee to cover the costs
of an appraisal, credit report or other items. The amount of the fee will be
determined by the Lender. The documentation that you receive will include
information on the refundability of any fees paid.
This agreement will remain in effect as long as you wish to use the services
offered by Nextag, Inc. You may terminate this relationship at any time,
without notice, at no cost or penalty to you.
You may address questions or comments to Stephen Imbler, Vice President/Chief
Financial Officer at 1-800-565-0511, or by electronic mail to usersupport@nextag.com.
Nextag, Inc. is a Registered Mortgage Broker with the State of New York
Banking Department with offices at 1300 South El Camino Real, Suite 600, San
Mateo, CA 94402, Registration No 202165. All loans are arranged through third
party providers.
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| North Carolina | North Carolina Mortgage Lender License No. L-133320 | ||||||||||||
| North Dakota |
North Dakota Money Broker License No. MB101254 |
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| Ohio | The Ohio laws against discrimination requires that all creditors make credit equally available to all creditworthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law. Ohio Mortgage Broker, License Nos. MB803139.000, MB803139.001-BR |
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| Oklahoma | Oklahoma Supervised Lender License No. SL006435 | ||||||||||||
| Oregon | Oregon Mortgage Broker License No. ML-3938 | ||||||||||||
| Pennsylvania |
Lenders we match you with may require you to pay an application fee to cover
the costs of an appraisal, credit report or other items. The amount of the
fee will be determined by the Lender. The Lender should provide you with
documentation as to whether any of such fees are refundable.
Variable Interest Rate Disclosure
On residential mortgage loans of $50,000 or less,
if the Lender offers to give you a mortgage with a variable interest rate,
you are entitled by law to also be offered a mortgage with an interest rate
that will not change. By law, this fixed interest rate mortgage must be
offered to you at reasonably competitive terms and rate. On variable
interest loans, the Lender will explain to you how the interest rate can
change in the future, the effect of changes in the index on the rate and
term, and an explanation of the index.
Licensed by the Pennsylvania Department of Banking.First Mortgage Broker License No. 11465.001; Secondary Mortgage Broker License No. 11466.001.
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| Rhode Island | Rhode Island Loan Broker License No. 20041717LB. In Rhode Island, we are licensed as Nextag, Inc. under the name of Calibex. | ||||||||||||
| South Carolina |
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| South Dakota | South Dakota Mortgage Broker License No. 631 | ||||||||||||
| Tennessee | TENNESSEE RESIDENTIAL LENDING, BROKERAGE AND SERVICING ACT OF 1988, License No. 0000002408 AT THIS TIME, WE DO NOT ACCEPT INQURIES FOR AUTO, CREDIT CARD, OR PERSONAL LOANS FROM TENNESSEE RESIDENTS. | ||||||||||||
| Texas | Nextag, Inc. is licensed and examined by the Office of Consumer Credit Commissioner of the State of Texas. Regulated Loan License No.: #45053 | ||||||||||||
| Utah |
IF YOUR LOAN REQUEST IS FORWARDED TO OUR PARTICIPATING LENDERS, UTAH LAW REQUIRES THAT WE ADVISE YOU THAT THE LENDER YOU SELECT MAY TRANSFER SERVICING RIGHTS TO YOUR LOAN TO ANOTHER LENDER. THE LENDER THAT MAKES YOUR LOAN WILL PROVIDE YOU A SEPARATE WRITTEN DISCLOSURE STATEMENT REGARDING THE SERVICING OF YOUR LOAN AND THE LIKELIHOOD THAT THE SERVICING WILL BE TRANSFERRED TO ANOTHER LENDER. Utah Mortgage Lender, License No. ME00081311 |
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| Vermont | Pursuant to Vermont Regulation B-96-1, you are hereby advised that: Nextag, Inc., is acting in a brokerage capacity . Nextag will not be making the loan to you. In Vermont, we are licensed as Nextag, Inc. d/b/a Calibex. Our services are consultative only. We pass along your request to our participating Lenders and they will contact you with their loan product offers. You must rely on your own judgment in deciding which available loan product best suits your needs and financial means. You should not rely on Nextag to select a product for you. Additionally, as it is our participating Lenders, not Nextag that will make loan offers to you, we cannot guarantee you will be offered the lowest price or best terms available in the market Nextag does not charge you a fee to use its services. Nextag receives fees from its participating Lenders for matching your loan request with prospective Lenders. This agreement will remain in effect as long as you wish to use the services offered by Nextag, Inc. You may terminate this relationship at any time, without notice, at no cost or penalty to you. Vermont Mortgage Broker, License No. 0488-MB |
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| Virginia | Virginia Mortgage Broker, License No. MB-2338 | ||||||||||||
| Washington |
Washington Licensed Mortgage Broker No. 510-MB-29187 Washington state law against discrimination prohibits discrimination in credit transactions because of race, creed, color, national origin, sex or marital status. The Washington State Human Rights Commission administers compliance with this law. If your loan request is forwarded to one or more Service Providers (Lenders/Brokers) you may receive from them a good faith estimate of settlement costs under RESPA and an initial disclosure statement required under the TILA. Any interest rate quoted in connection with a loan you select in your interest profile is subject to change without notice unless and until an interest rate lock-in agreement has been made between you and a Service Provider. NexTag does not offer lock-in agreements and does not guarantee any rate of interest quoted by a participating Service Provider. If you enter a lock-in agreement with the Service Provider and are required to pay a lock-in fee, the terms and conditions under which the lock-in fee may be refunded, if any, will be set by the contracting Service Provider. The Service Provider is obligated to send you written confirmation of the terms of any lock-in agreement within three (3) business days (including Saturdays). We do not collect any fees from you. All fees will be collected by and payable to the Service Provider. If the Service Provider is licensed under the Washington Mortgage Broker Practices Act, the fees paid by you for third-party vendor services (such as an appraisal or credit report), may be held in a trust account and any moneys remaining after the payment to third-parties will be refunded to you. If you are unable to obtain a loan for any reason, the Service Provider, if licensed under the Washington Mortgage Broker Practices Act, must, within five (5) days of a written request by you, give copies to you of any appraisal, title report, or credit report paid for by you, and transmit the original appraisal, title report, or credit report to any other mortgage broker or lender to whom you direct. Transmission of these reports includes the right to use these reports. You are also entitled to receive a copy of any appraisal paid for by you, pursuant to the federal Equal Credit Opportunity Act. |
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| West Virginia | West Virginia Licensed Mortgage Broker No. MB-22579 | ||||||||||||
| Wisconsin |
Wisconsin Mortgage Broker License Number 43826
Nextag, Inc. also dba Calibex and HomeloanOffer.com 1300 South El Camino Real, Suite 600 San Mateo, CA 94402 1-800-565-0511 Our limited agreement remains in effect only as long as you use the services offered by us on this website. You may discontinue your use of our service at any time at no cost. Your use of our website and/or service does not constitute an exclusive relationship. We do not make loans or credit decisions, nor do we undertake loan commitments or lock-in agreements. NexTag provides a matching service only and is not acting as a representative, agent or correspondent for any lender. NexTag does not endorse any particular lender or loan product. Since everyone's financial circumstances are different you should rely on your own judgment in deciding which lender you wish to work with, if any, and which available loan product is most appropriately suited to your particular circumstances. You are under no obligation to use our service to initiate contact, or apply for credit with any lender. NexTag does not guarantee that completing an interest profile form will result in your being matched with any lender, being offered a loan product with satisfactory rates or terms, or receiving a loan. Since the interest profile you submit is not an application for credit or a request for a loan pre-qualification, you may be asked to complete an application and/or provide other documentation to a lender in connection with an application for credit. There is no charge to you for using our service. We receive a modest fee from the lenders with whom you are matched for the services we actually provide in operating our website and the matching engine. |
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| Wyoming | Wyoming Supervised Lender License No. 2418 and 2419 | ||||||||||||
